cancel
Showing results for 
Search instead for 
Did you mean: 

BEST BUY ***Just a thanks***

Member

Re: BEST BUY ***Just a thanks***

^^^^^^^OH!!OK Got it now!! THANKS!! Well at least it well help towards utilization.^^^^^^^ 

***Tools of Destruction***

Bank of Americard Cash Rewards Platinum Plus Visa
Wells Fargo Platinum Plus Visa ***First Credit Card***
Art Van GEMB
Best Buy Reward Zone (HSBC)
Message 11 of 22
New Contributor

Re: BEST BUY ***Just a thanks***

It may actually be a soft pull. I got a BB store card within the last month and just checked EX and TU this week and it does not show up on mine as a hard pull. However, I had a BB store card a number of years ago (always in good standing...I used it for financing deals and was never late and always paid off the balance before interest was charged). Anyway, I have a BB inq showing up as a soft pull. 

 

So if you had a card in the past that was in good standing, then HSBC may do a soft pull.

Message 12 of 22
Valued Contributor

Re: BEST BUY ***Just a thanks***

Did you check EQ as well? You have a soft on EX or TU from the date you applied?

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 13 of 22
New Contributor

Re: BEST BUY ***Just a thanks***

EX, I'm in NC. I did not check EQ. But the soft shows up on EX, no hard.

Message 14 of 22
Moderator Emerita

Re: BEST BUY ***Just a thanks***

IIRC (if I recall correctly), HSBC pulled Equifax for me when I got the store card. This could very well vary, though.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 15 of 22
Valued Contributor

Re: BEST BUY ***Just a thanks***

Interesting. I'd like to see if OP only gets softed as well. I thought HSBC pulled EQ and/or TU mainly.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

Message 16 of 22
New Contributor

Re: BEST BUY ***Just a thanks***

A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.

Message 17 of 22
Valued Contributor

Re: BEST BUY ***Just a thanks***

As others have said, it's worth the hard pull assuming you don't have a lot of inquiries on you right now.  2k limit + whatever money you saved by signing up for the card + 18 months no interest is pretty sweet!

In My Wallet:
AMEX BCE, Citi Forward, Chase Freedom

In My Sockdrawer:
AMEX Clear, Citi Platinum Select, US Bank Platinum, J.Crew
Message 18 of 22
Moderator Emerita

Re: BEST BUY ***Just a thanks***


PNut08 wrote:

A lot of people on whogavemecredit are saying EQ so maybe I need to check that one too, but it's showing up on EX for me.


Many, many lenders will soft you on one report but pull a hard for an actual app on another. That way they have more info on you, since many people have, errr, "prettier" reports with one CRA than another. Smiley Wink

 

--and that happens both when you already are a customer, and when you don't have an account with them.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 19 of 22
Member

Re: BEST BUY ***Just a thanks***

It is not a soft pull!  HSBC does a hard inquiry that is reported to all 3 credit reporting agencies.  I would bet that she had no idea what you were talking about.




Starting Score: 665
Current Score: 665
Goal Score: 700


Take the FICO Fitness Challenge
Message 20 of 22